This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

WoooooHoooooo! *is dancing around like a thing possessed* The full amount of £2,261.31!! I'm so chuffed I can't even begin to tell you! a snippet from the letter I have just received...... 'as previously advised, it will cost Halifax money to defend your claim and thus on a purely commercial basis Halifax is willing to reimburse the full amount claimed of £2,261.31. I have arranged for £2,261.31 to be refunded to your account.' The letter is signed by Rachel Hinchcliff - Litigation Solicitor Legal Services - Retail Division, Trinity Road, Halifax HX1 2RG Thanks again you guys....a donation to your book fund is on it's way!

My case has been accepted ....the Halifax have 14 days to respond! I have everything crossed now lol

Hi Laura No, I didn't send it with the LBA, I thought AFTER I had posted it that perhaps I should have lol...the bank haven't asked/didn't ask for a copy.... so I'm hanging to it on now until such time as I may or not (fingers crossed) have to produce it in court.

and......another quick update! Took me ages to get the particulars of the claim down to below the 1080 characters & only 24 lines...I really wanted to say so much! Anyway, my claim has been filed, now all I can do is wait....which will probably be the hardest part! CLaim No 6QZ25363 Amount Claimed £1,808.00 Interest 333.31 Court Costs 120.00 Total Claim £2,259.31

Thanks for your replies guys...I'm giving up for a while now...hopefully I'll finish & file my claim tomorrow. Thanks again xx

so sorry ...I meant 1173

I've just started to file my claim against the Halifax with HMCS online and have got to the box where I add the 'particulars of claim' and I've hit a bit of a brick wall lol You are only allowed 1080 characters on 24 lines for this part. Anyone got any ideas how I can trim down the hard copy I've found in the templates section? Or better yet, tell me what you've written! I've managed to get it down to 1073 so far, now I'm stuck lol

Further update.. Just taken another call from Customer Relations, the bank have taken into consideration my rejection of their initial offer of £239 and are now prepared to offer a maximum of £460 as full and final settlement...naturally I said no, this figure was unacceptable and nowhere near the actual amount outstanding. I was asked if I had an overdraft facility on the account, I said I hadn't but it wasn't for the lack of asking. I went on to say that I had made several requests in the past for a minimum of a £50 overdraft to help the situation when direct debits etc are taken out just before my pay was paid in...thinking about that, I wonder would it be in my favour to mention this should we end up in court? They are writing to me outlining their 'final' offer....I shall acknowledge their letter when it arrives, then I shall stick to my guns and proceed with a claim through the courts.

Quick Update Guys... My partner took a phone message early this morning from 'Gillian' at Customer Relations, I wasn't available at the time to take the call, so called I them back just a few minutes ago but she wasn't available (she was at lunch apparently) the chap I spoke to didn't know/wasn't familiar of my case but felt that an offer of reimbursment of some fees as a 'gesture of goodwill' was the reason for her call. Anyway, he pulled up my details and then said she (Gillian) was calling to offer me £239.00...I simply said the offer was unacceptable! (my claim is for £2,139.31 including interest) At that point he said that they would have to call me back and may or may not be able to increase the offer. I'm determined to hold my nerve and stay calm!! I'll update again soon.... 01422 333465 for anyone who wants to call Customer Relations directly

hmmm good question! Maybe some lovely knowledgable person will come to my rescue here lol...I just searched everywhere to find out about that with no luck! I 'think' not, but then I could be horribly wrong lol

Thanks Hunni I've done the spreadsheet now so that I can be 100% sure of the figure they owe, so the end figure I have today is the one I will be using on the claim. I can't wait lol

Another update...and a question lol! This mornings post brought me two letters from the Halifax informing me of two more charges which have only just been applied. I had forgotten there was one charge of £28 to come out at the end of March as I ordered my six years of statements from 21 March back if you see what I mean. (a*se) Anyway, the bank have taken their bit (as usual) and that has pushed me overdrawn by £12, for which, you guessed it, I'm going to be charged another £30! Can I re-adjust the original figure I calculated to take those two charges into consideration? I've just completed the spreadsheet, and have prepared my letter before action...I'm all set to send it today, I've decided I'm wasting no more bluddy time!